---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-086543"
form_type: "8-K"
ticker: "UBCP"
cik: "0000731653"
company_name: "UNITED BANCORP INC /OH/"
filed_at: "2026-07-24T14:03:40+00:00"
generated_at: "2026-07-24T14:04:28.398304+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# United Bancorp Q2 EPS $0.36, up 9.1% YoY; net income $2.1M, up 9.4%

## Summary
- Diluted EPS $0.36 for Q2 2026, up 9.1% YoY; net income $2.095M, up 9.4% YoY.
- Net interest margin expanded 17 bps to 3.82% for H1 2026; net interest income up 5.2% YoY.
- Total assets $878.0M, up 3.6% YoY; total deposits $686.9M, up 6.8% YoY.
- Regular cash dividend $0.195/share in Q2, up 5.4% YoY; forward yield 4.9% (6.0% incl. special dividend).
- Nonaccrual loans + loans past due 30+ days $6.9M (1.4% of gross loans), up $4.7M YoY mainly from one commercial relationship.

## SEC filing metadata
- accession: 0001104659-26-086543
- form_type: 8-K
- ticker: UBCP
- cik: 0000731653
- company_name: UNITED BANCORP INC /OH/
- filed_at: 2026-07-24T14:03:40+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/731653/000110465926086543/0001104659-26-086543-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/731653/000110465926086543/tm2621220d1_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-086543
- JSON: https://secwatch.observer/filing/0001104659-26-086543.json
- Plain text: https://secwatch.observer/filing/0001104659-26-086543.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.